Your Overseas Health Cover (OSHC) is with Allianz for UQ or Medibank for QUT. Please hold onto all medical-related receipts to claim for your medical expenses. Helps towards treatments and health services received outside and inside of hospital. When you’re treated in hospital by a doctor, surgeon or anaesthetist the set fee for their service is called the Medicare Benefits Schedule (MBS) fee. If the person treating you charges only the MBS fee you’ll be covered for the full cost of the service. If they choose to charge above the MBS fee you will have to pay an out-of-pocket cost to cover the difference.
OSHC can pay for:
- Medical costs
- Hospital care costs
- Some prescription drugs
- Emergency ambulance service
You will have:
- Access to a 24-hour emergency helpline
- On-campus support
- Efficient direct billing and claiming processes
Your insurance card is needed for hospital and doctor visits. To obtain your OSHC card you can go online to the website of your insurance provider (Allianz for UQ and Medibank Private for QUT) and order. You can create an account on these sites (OSHC Allianz or OSHC Medibank) and then request your card. You can then also log into the insurance via an app on your phone and download your insurance card that way. The phone app provides useful information such as location of doctors and how to make a claim.
University of Queensland
More info on your health care and to order your card see here for UQ.
To log onto the OSHC website you will need your policy number (this is your UQ student ID number), your family name and your date of birth. Please ensure you enter your date of birth in the following format: DD/MM/YYYY.
Once logged in you will need to ensure that they have your correct Australian address so that Allianz Global Assistance can mail you your card. Your membership card and Policy document will be posted to your mailing address within 5 working days.
OSHC is a mandatory requirement of your student visa and you must have OSHC for the entire time you are studying in Australia.
Services which are not covered under your policy:
- Services provided by physiotherapists, osteopaths, chiropractors, naturopaths or any other ancillary services.
- Medications, drugs or other treatments not prescribed by a doctor or not included in the Pharmaceutical Benefits Schedule.
- Any costs associated with dental treatment, unless the services provided meet the requirements of the Medicare Benefits Schedule.
- Optical charges.
- The co-payment and/or gap payment payable by you under Australian law or as a result of the provider charging in excess of the Medicare Benefits Schedule Fee.
- Service fees charged by a doctor or hospital which are not included in the benefits covered under your policy
Your entire policy info can be found here.
Queensland University of Technology (QUT)
QUT students’ cards should be arranged by QUT directly and they can provide details to you when you have arrived. Just check with student services.
A representative from Medibank Private is normally on campus to assist students during the following times and locations:
Monday: 9am-12pm (Gardens Point – HiQ Service Point, V Block, Level 3)
Tuesday: 9.30am-4pm (Kelvin Grove – HiQ Service Point, R Block, Level 2)
Friday: 9am-12pm (Gardens Point – HiQ Service Point, V Block, Level 3)
Friday: 1pm-4pm (Kelvin Grove – HiQ Service Point, R Block, Level 2)
When you see a doctor (GP or a specialist) in Australia there is a set fee for the consultation called the Medicare Benefits Schedule (MBS) fee. With Medibank Essentials OSHC you are covered for 100% of the MBS fee for GPs and 85% of the MBS fee for specialists. If the doctor charges above the these benefit amounts, you will need to pay something to cover the difference (an out-of-pocket cost).
For example: The MBS fee for item 23 (a GP visit) is $37.05. You visit a doctor that charges $50. You have Essentials OSHC that pays 100% of the MBS fee for GPs. This means you would get back $37.05. Your out-of-pocket cost would be $12.95.
Things you should know about refunds on pharmacy medicine you had to purchase:
- You can receive up to $50 per item
- You can receive up to $50 per item and $300 per year
You will need to pay a set fee towards the cost of each prescription item first, before they pay any benefits. If the charge is higher than the benefit they pay, the difference will be an out-of-pocket cost.
Benefits can only be received for pharmacy items prescribed by a doctor (GP or specialist) to treat an illness, injury or condition. They don’t pay benefits for any over the counter medicines, vitamins or herbal medicines.
You call the health provider any time if you need clarification on refunds. Just call 1800 887 283 at any time.
Your entire policy can be found here.